Neither AT&T nor Apple sell or plan at this time to sell an unlocked iPhone.
Yes new 2 year contract and cancels your previous contract.
Not in those words . You can not buy an iPhone 3G without an AT&T contract (in the USA). No contract, no phone.
When buying from apple store there will likely be some paper you need to sign and if after 30 days you do not activate with AT&T there maybe a 200 or 400 charge on your credit card. In other words, the unsubsidized amount difference.
Also phone would not be under warranty since warranty work requires a contract with AT&T.
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what if you paid with one of those prepaid visa cards with your name on it?